Your final information to Southwest bank card eligibility

Southwest Airways provides 5 bank cards you may apply for: three private and two enterprise ones.

With the Southwest Fast Rewards® Plus Credit score Card (see charges and charges), Southwest Fast Rewards® Premier Credit score Card and Southwest Fast Rewards® Precedence Credit score Card (see charges and charges), new cardholders can earn 100,000 bonus factors after spending $4,000 on purchases within the first 5 months from account opening.

The data for the Southwest Fast Rewards Premier has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.

There are a couple of particular guidelines to be careful for when eyeing a Southwest bank card, relying on whether or not you desire a private card or a enterprise card. This is what you have to know.

Which Southwest bank cards am I eligible for?

If you happen to’re Southwest bank cards, you could have 5 choices to select from. The airline provides three private playing cards and two enterprise playing cards.

These are the non-public playing cards:

And listed here are the 2 enterprise playing cards:

Presently, the non-public playing cards all have a limited-time welcome supply. New cardholders can earn 100,000 bonus factors after spending $4,000 on purchases within the first three months from account opening.

This bonus is value $1,350, primarily based on TPG’s August 2025 valuations.

The 2 enterprise playing cards have totally different welcome provides.

New Southwest Efficiency Enterprise cardholders can earn 80,000 factors after spending $5,000 on purchases within the first three months of account opening.

In the meantime, new Southwest Premier Enterprise cardholders can earn 60,000 factors after spending $3,000 on purchases within the first three months of account opening.

In response to our valuations, these welcome bonuses are value $1,080 and $810, respectively.

Chase and Southwest maintain the applying course of comparatively easy by treating all private playing cards equally and setting two easy guidelines for the enterprise playing cards.

Associated: observe your progress towards a bank card welcome bonus

If you wish to apply for a private card

You might be eligible to take action so long as you abide by the next standards:

• The Chase 5/24 rule: You may virtually actually be rejected for a Southwest bank card should you’ve opened 5 or extra bank cards (from any issuer) inside the previous 24 months, excluding most enterprise playing cards.
• Card “household” restrictions: If you happen to’ve already acquired a Southwest private card, you may’t open one other till you have canceled or product-changed your present card.
• Welcome bonus guidelines: You may’t open the cardboard should you’ve earned a welcome bonus from a Southwest private card inside the previous 24 months.

The essential be aware right here is that having a Southwest enterprise bank card or worker card doesn’t have an effect on your eligibility for private playing cards.

If you wish to apply for a enterprise card

You might be eligible to take action so long as you might be below 5/24 and meet the next guidelines:

• You can not at the moment have that exact bank card.
• You can not have acquired a bonus on that exact bank card previously 24 months.

Making use of for private Southwest bank cards has no affect in your eligibility for enterprise playing cards, apart from the truth that it takes up one in all your 5/24 slots. Extra importantly, having both Southwest enterprise bank card would not have an effect on your eligibility for the opposite Southwest enterprise card.

Associated: Southwest Efficiency vs. Premier: Which Fast Rewards enterprise bank card is best for you?

What’s the finest plan to use for Southwest bank cards?

Assuming you could have a 5/24 slot or two to spare, one of the best plan for most individuals could be to use for each Southwest enterprise bank cards. Doing so will not enhance your 5/24 depend and can maintain you eligible for a private Southwest card sooner or later.

As a result of Chase’s utility restrictions on private Southwest playing cards, it is a good suggestion to attend for the highest welcome bonus accessible or when a Companion Cross is obtainable earlier than making use of.

Associated: rapidly earn the Southwest Companion Cross

Backside line

It is all the time essential to plan your bank card purposes and take note of card and issuer-specific guidelines.

Whereas Chase’s “household restriction” on the non-public Southwest playing cards throws a wrench into many individuals’s Companion Cross plans, the identical restriction would not apply to the 2 enterprise playing cards.

To be taught extra, take a look at our full evaluations of the Southwest Plus, Premier, Precedence, Premier Enterprise and Efficiency Enterprise playing cards.

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Apply right here: Southwest Plus Credit score Card
Apply right here: Southwest Precedence Credit score Card
Apply right here: Southwest Premier Enterprise Credit score Card
Apply right here: Southwest Efficiency Enterprise Credit score Card
Study extra: Southwest Premier Credit score Card

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